Love is blind, but credit rating agencies are not. If you have a good credit score, but your spouse’s is lacking (or vice-versa), can it affect you? The short answer is no, not directly. However, under certain circumstances, one partner’s credit score can affect the other — for better or worse.

Do charge cards or credit cards with no preset spending limit hurt your credit score? Despite adjustments to the credit scoring system to allow for cards with no preset credit limit, there are still circumstances in which using a card with no limit can put a dent your credit score.

You know it’s important to have a good credit score to qualify for a mortgage, car loan or credit card. But do you know how many other ways credit scores affect your life? And how dearly bad credit can cost you? Here are some of the lesser-known ways scores affect you.

Until now, consumers have been in the dark about how exactly their credit score were affecting loan terms when applying for a new loan. Rules that went into effect Jan. 1, 2011 create greater disclosures.

Despite adjustments to the credit scoring system to allow for cards with no preset credit limit, there are still circumstances in which using a card with no limit can put a dent your credit score.